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16May
Exponent’s Free Retirement Planning Calculator

 

Retirement planning can be confusing. But it doesn’t have to be. Luckily, there are many tools available to help you get organized and stay on track.

One such tool is Exponent?s Free Retirement Planning Calculator. The tool is easy to use and provides great information, including a savings analysis that shows in simple terms how long your savings can last into retirement.

Plan Your Retirement with Exponent you need to provide some basic information, including your current net worth and the total current balances of your retirement savings accounts – such as 401(k) plans, individual retirement accounts (IRAs), etc. Then you enter your monthly contributions to those accounts — either in dollar amounts or as percentages of your salary. Finally, you enter your desired withdrawal rate in retirement and the calculator will determine whether you are on target to meet that goal.

Maximize Your Golden Years with Exponent’s Expert Retirement Strategies

You can also change assumptions on your expected investment returns, inflation and other factors to see how those changes might affect the outcome. And if you do decide to make adjustments, the tool lets you compare your original calculation with their proposed one.

As a rule, the industry recommends withdrawing no more than 4% of your savings in retirement. But this number doesn’t necessarily work for everyone and a lower or higher withdrawal rate might be more appropriate for your situation. And as you adjust your planned withdrawal rate, the tool will let you know if it’s safe to do so without jeopardizing your future.…
16May
Choosing the Right Type of Attic Insulation

Insulating your attic is one of the most cost-effective ways to make your home more comfortable and energy-efficient. However, the right type of insulation is key to making sure you get the best results.

Choosing the Right Insulation

The insulation contractor’s important factor when choosing attic insulation is R-value, which is a measure of how much heat it blocks from entering and exiting your home. The higher the R-value, the more effective it will be.

There are many different kinds of attic insulation available to homeowners, ranging from fiberglass batts to cellulose and spray foam. Each has its own benefits and drawbacks. Some of these insulation materials are easy to install, but others require professional help. If you choose to do the work yourself, check with manufacturer’s instructions and local building and fire codes for advice and safety precautions.

Signs Your Septic System Needs Professional Attention

Fiberglass batt insulation is made from recycled glass spun into fibers and comes in a variety of standard sizes and R-values. It’s a relatively affordable option and works well for attics with regular joist spacing that are free of obstructions. However, it’s a poor choice for attics with low ceiling heights because it may not reach the floor joists. Additionally, it does not resist moisture very well, so it can easily be damaged by water vapor that leaks through the attic.

Loose-fill insulation (sometimes called blown-in or blanket insulation) is a more expensive option. It’s a mix of loose particles such as cellulose, mineral wool or rockwool that are blown into the attic with a special machine. This is a messy job and the particles can be harmful to touch or inhale, so it’s best left to professionals.

NextGen Spray Foam Insulation
Kila, MT 59920
(406) 871-3729
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